Tariff Guide

Effective February 10, 2022

Salary Current Security Perfection Fees
SAVINGS ACCOUNTS Opening balance UGX 30,000 /USD 10 LOAN RELATED CHARGES Mortgage Registration and Transfer
Account management/service fees UGX 2,500/USD 1 Secured Lending below 10M 300,000 & 300,000
Standard charges applicable to all Savings accounts Cheque book per leaf UGX 1,000 Application fees UGX 30,000 10M to 19.9M 300,000 & 600,000
Statement Nil Cash withdraw at counter Over the counter withdraws of UGX Arrangement fees 1.5% loan amount 20M to 49.9M 500,000 & 800,000
Interim/Duplicate statement UGX 2,500/USD/GBP/EUR 1 10,000 for below 5M and UGX4,000 Application/Arrangement fees for loans 0.5% of loan amount applied for 50M to 99.9M 600,000 & 1M
Customised statement UGX 5,000 per page and a for amounts above 5M but below 20M 100-299.9 M 700,000 & 1.2M
secured by FDs
minimum of 20,000 Penalty fees for customers in default 3% of arrears 300-499.9 M 1M & 1.5M
Cash deposit charge Free NGO Current Account 500-999.9 M 1.5M & 2M
Opening balance UGX 200,000/USD/GBP/EUR200 Re inspection fees (Kampala) UGX 100,000
Salary handling UGX 2,500//USD/GBP/EUR 1 Re Inspection fees (Up country) UGX 100,000 plus transport >1Bn 2M & 2.5M
Closing account UGX 20,000/USD11/GBP 7/EUR 8 Minimum balance Nil for UGX Upcountry fees 100,000
Penalty below minimum balance USD/GBP/EUR 5 Advance against Uncleared effects Min UGX 50,000 & 2% of ammount
Bank drafts UGX 20,000 Removal of encumbrance 100,000
Account management/service fees UGX 10,000/USD10/GBP5/EUR10 applied for
Penalty for withdrawing beyond restrictions UGX 20,000/USD6/GBP4/EUR5 Vehicle caveat registration 200,000
Loan statements - Interim 2,500 per page
Bulk cash withdraw (UGX 20M and above) 0.15% of the value max 50,000 Cheque book per leaf UGX 1,200 Land caveat registration 300,000
Letters of undertaking to other banks UGX 50,000
Forex deposit charge Nil Extra security/Transaction 100,000
Certificate of loan balance UGX 35,000 per account
Retail Internet banking Lease renewal 1.5M-2M
Draft cancellation fees UGX 10,000 Retrieval of loan documents, titles etc UGX 35,000
Charge type Charge Lease extension 1.5M-3M
Account reactivation fees Nil (initial one free)
EFT UGX 3,000/USD/GBP/EUR1 Title search fees 200,000
Over the counter cash withdraw UGX 10,000 for withdraws below Loan restructuring fee 1% of loan amount
RTGS UGX 10,000/USD/GBP/EUR3 Company/Court search fees (K'la) 60,000
5M; UGX 4,000 for amounts above Facility renewal fees 2% of loan amount
Outward TTs $10 Company/Court search fees (Outside 100,000
5M but below 20M; 0.25% max Loan Variation fees UGX 50,000
Utility payments Free K'la)
1000 for USD/GBP/EUR Full loan early settlement 1% of outstanding loan amount
Consent to transfer mortgage ( 100,000
Balance inquiry Free Loan buy outs 10% of outstanding loan amount
Non utilisation of overdraft limit facility 0.5% of the O/D limit per quarter Leasehold titles within Kampala/Wakiso
Statement request Free
Toto's Treasure Partial Redemption 1% of the redeemed amount excluding those on Kabaka's land)
Pin change Free
Annual monitoring fees (secured loans) UGX 40,000 Supervision (Sub-division/ 500,000
Opening balance UGX 30,000 or USD/GBP/EUR 50 Stop payment Free
Securities that remain uncollected after Amalgamation)
Minimum balance UGX 20,000 or USD/GBP/EUR 30 Inter account transfer Free
1 month UGX 35,000 Government Levies
Penalty below minimum balance UGX 10,000 or USD/GBP/EUR 2 Standing Order UGX 10,000 or its equivalent
Stamp Duty on Caveat registration 1% of the facility amount
Account management/service fee Nil Standing Order cancellation Free
Unsecured Lending Debenture registration fees 50,000
Over the counter cash withdraw 1 free withdraw per quarter Application fees UGX 30,000 Where debenture is the only security 0.5% of the loan amount plus security
Corporate Internet Banking
Arrangement fees 3% of loan amount perfection fees
Charge type Charge
Full loan early settlement 5% of outstanding amount Guarantee registration fees 39,500
Token replacement UGX50,000/USD14/EUR13.5/GBP12
Save Plus Partial Redemption 5% of partial amount Mortgage registration with 2 extra 55,000
EFTs UGX3,000/USD/EUR/GBP1
Opening balance UGX 50,000/ USD/GBP/EUR 50 Loan buy outs 10% of outstanding principal amount copies
RTGs UGX10,000/USD3.2/EUR3/GBP1.8
Redemption Statement Charge UGX 35,000 per loan account Stamp duty on document registration 15,000 per copy
Minimum balance UGX 30,000/USD/GBP/EUR 30 TTs UGX40,000/USD12/EUR/GBPNil
Letters of undertaking to other banks UGX 35,000 each Stamp duty on property transfer 1.5% of open market value
Penalty below minimum balance UGX 10,000/USD/GBP/EUR 2 Salary processing UGX 2,000
Annual monitoring fees UGX 40,000 Stamp duty on mortgage registration 0.5% of the loan amount
Account management/service fee Nil Bill payments UGX 1,000
Stamp Duty on Guarantees 100,000
Cheque book request UGX1,200/USD/EUR/GBP0.5
Over the counter cash withdraw 1 free withdraw per quarter Incremental Housing Loan Registration of caveat fees 50,000
E-statements Free
Application Fees UGX 20,000 Registration of chattels notice 18,000
Internal transfers Free
Loan arrangement fees 3% of loan amount Certified search on chattels 10,000
Bulk payments As per individual transaction charge
U-savers rate Partial redemption 1% of amount being redeemed
Opening balance UGX 5,000 Full redemption 1% of amount being redeemed *Other third party charges may apply
Standing order set up UGX 5,000
Minimum balance UGX 5,000 Loan buyout 10% of outstanding amount *Third party charges may be subject to change without notice
Penalty below minimum balance Nil Late payment penalty 3% of amount in default
Account management/service fee Nil MASTERCARD PRICING Valuation fees UGX 450,000 for loans above UGX
OTHER CHARGES
Mastercard Prepaid card UGX USD 20M
Easy Account Boundary Opening UGX 150,000 for loans above UGX
Opening balance UGX 20,000/USD/GBP/EUR 50 fees RTGS (Outgoing) UGX 20,00 or it's equivalent
Charge Type Charge 20M RTGS (Incoming) UGX 5,000 or it's equivalent
Minimum balance UGX 10,000/USD/GBP/EUR 30
Card Issuance 20,000 7 Title search UGX 30,000 Outgoing Telegraphic transfers $15 or it's equivalent
Penalty below minimum balance Nil
Card Replacement 20,000 Stamp duty 0.5% of loan amount for titled land (Charges-SHA)
Account management/service fee Nil
Stolen/Lost/Damaged 20,000 &loans above 20M Outgoing Telegraphic transfers $15 or it's equivalent plus
POS Purchase 500 Annual monitoring fees UGX 40,000 (Charges-OUR) correspondent bank charge ($30)
Collective Savings
Opening balance N/a Online/E-commerce 2.5% Inward Telegraphic transfer $10 or it's equivalent
Min Max Min Max Swift instruction cancellation fee $25 or it's equivalent
Minimum balance N/a
amount amount amount amount ATM TRANSACTIONS Swift amendment -MT99 $20 or it's equivalent plus
Penalty below minimum balance N/a
Account management/service fee Nil - HFB ATMs correspondent bank charge
Over the counter cash withdraw Free Loading fee 2% 1,000 20,000 - - $7 Tracer $20 or it's equivalent
Cash withdraw UGX 1000/USD Free
International transactions 5% - - 2% $1 $50 Transaction charge on payment below GBP 15
Cash Restitution 2% 1,000 100,000 0.05% $1 $50 Balance Inquiry UGX 300 GBP 100
Investment Club Savings
Opening balance UGX 50,000 or USD/GBP/EUR 100 Wallet transfers 0.05% 1,000 20,000 - $1 $5 Cash/cheque deposit Nil EFT charge (outgoing) UGX 5,000 or it's equivalent in
Minimum balance UGX 50,000 or USD/GBP/EUR 100 Cash Advance 40,000 - $10 _ Mini statement UGX 300 USD/GBP/EUR
Penalty below minimum balance UGX 10,000 or USD/GBP/EUR 15 Interswitch EFT charge (incoming) UGX 2,500 or it's equivalent in
Mastercard Debit card fees Charge
Account management/service fee Nil Cash withdraw 1,600 USD/GBP/EUR
Card Issuance/ Replacement-Standard UGX 20,000/USD 7
Over the counter cash withdraw 1st 3 withdraws per month free; Returned cheques-insufficient funds UGX 150,000/USD50/GBP35/EUR40
Card Issuance/ Replacement-Platinum UGX 25,000/USD 8 Balance Inquiry 600
Subsequent withdraws; UGX 5,000; Returned cheques-Effects not cleared UGX 100,000/USD40/GBP25/EUR30
Stolen/Lost/Damaged-Standard UGX 20,000/USD 7 Mini statement UGX 300
<USD 2,000 - $10;>USD 2,000 - Returned cheques-Technical UGX 50,000/USD10/GBP7/EUR8
Stolen/Lost/Damaged-Platinum UGX 25,000/USD 8 POS purchase 1,400
0.5% of value, Max $ 5,000 Returned cheques by other banks UGX 15,000/USD/GBP/EUR5
International transactions 5%
Savings withdraw voucher per leaf UGX 800 Card holder account transfer 1,400 Retrieval old cheques &vouchers UGX 20,000/USD10/GBP7/EUR8
Online/E-commerce 2.5%
Stop payment order (per instruction) UGX 25,000/USD10/GBP7/EUR8
Annual card fees-Standard(UGX7,500/ UGX 30,000 Bill payment 1,400
USD2 per quarter Standing order-within bank (to all UGX 2,500/USD/GBP/EUR1
CURRENT ACCOUNTS Annual card fees-Platinum(UGX12,500/ UGX 50,000
Other Banks’ ATMs
accounts except loan repayment
USD3 per quarter Cash withdraw local UGX 6,000 accounts)
Standard charges applicable to all Current accounts
POS purchase Free Balance Inquiry local UGX 1,500 Standing order-to other bank UGX 20,000/USD5/GBP3/EUR4
Salary handling UGX 2,500/USD/GBP/EUR 1 Standing order-set up charge Free
Statement Free Cash Advance 2.5% Balance inquiry International UGX 2,000
MasterCard Charge back fees Standing order unpaid (to all accounts UGX 20,000/USD10/GBP7/EUR8
Interim/Duplicate statement UGX 2,500/USD/GBP/EUR 1 except loan repayment accounts)
Additional statement (per page) UGX 2,500/USD/GBP/EUR 1 First Charge back 0.016% of the transaction
Pre arbitration USD 4.5 Uncollected cheque book-destruction UGX 10,000/USD5/GBP3/EUR4
Customised statement UGX 5,000 per page and a minimum Pre arbitration hosted USD 5 THIRD PARTY CHARGES - ALL ACCOUNTS (UGX) charge (3 months from application date)
of 20,000 Auto rejection after pre arbitration USD 4.5 Cancellation of standing orders UGX 20,000/USD10/GBP5/EUR5
Overdrawn penalty 15%+ prime rate Arbitration USD 20 FCS Enrolment card 40,000 Internal Funds transfer Nil
Closing account UGX 20,000/USD11/GBP7.7/EUR8.8 Withdrawal at arbitration USD 150 CRB card - Corporate 40,000 Certificate of balance UGX 30,000
Case lost at arbitration USD 150 Unsecured Lending Audit confirmation UGX 20,000
Drafts-Customer UGX 20,000/USD5/GBP3/EUR4 CRB Inquiry fees 25,000 or USD 10
Case filing hosted USD 20 Letter of introduction UGX 20,000
Drafts-non customer N/a Insurance upto 2 years 1.50%
Withdrawal/accept USD 150
Draft cancellation charge UGX 10,000/USD5/GBP3/EUR4 Insurance above 2 years 1.75% Safe custody charges UGX 35,000 per quarter
Declined case USD 150
Draft repurchase UGX 10,000 Case lost USD 150 Secured Lending Safe custody access UGX 10,000 per visit
Appeal request USD 500 Insurance fees (Mortgage) 0.15% School fees payment UGX 2,000
Cheque book per leaf UGX 1,000/USD/GBP/EUR0.5 Legal recovery fees 10% of price CCTV viewing charges UGX 40,000
Counter leaf charge UGX 40,000/USD5/GBP3/EUR4 Valuation fees for residential properties/Multi units/Small commercial Retrieval of old cheques &vouchers UGX 20,000
Cash deposit charge Free MOBILE BANKING CHARGES buildings SMS alerts Free
Forex deposit charge Free <500m for Kampala 400,000 URA payment UGX 2,000
Bulk cash deposit Free Bank to Wallet
UGX 5,000 - 30,000 UGX 500 <500m for Entebbe 400,000 Securities charge per instruction (T/Bills UGX 20,000
Bulk cash withdraw (UGX 20M &above) 0.15% of the value max 50,000 <500m for Jinja 500,000 & T/Bonds
UGX 30,001 - 60,000 UGX 1,000
UGX 60,001 - 125,000 UGX 1,000 <500m for towns further than jinja 550,000
Personal Current - Standard UGX 125,001 - 250,000 UGX 1,500 >500m <1bn for all properties 800,000
UGX 250,001 - 500,000 UGX 2,000 1bn and above 0.1% of the market value
Opening balance UGX 50,000/USD/GBP/EUR100
UGX 500,001 - 1,000,000 UGX 2,500 Transport upcountry 200,000
Minimum balance Nil for UGX/USD/GBP/EUR10
UGX 1,000,001 - 2,000,000 UGX 3,000 Boundary opening 200,000 (UGX 350,000 for 1-5 acres,
Penalty below minimum balance Nil for UGX/USD/GBP/EUR15
UGX 2,000,001 - 5,000,000 UGX 5,000 negotiable for larger land)
Account management/service fees UGX 10,000/USD/GBP/EUR3
Airtime Purchase Free upto UGX 4,999; Above which Valuation fees for commercial buildings
Cheque book per leaf UGX 1,000/USD/GBP/EUR0.5
bank to wallet charges apply Valuation fees 0.1% of the Value or 800000/= which
Cash withdraw at counter UGX 10,000 for withdraws below 5M;
Utility payments Same as bank to wallet charges ever is greater
UGX 4,000 for amounts above 5M but
below 20M; 0.25% max 1000 for USD/ Balance Inquiry Nil
GBP/EUR Mini Statement Free
Cheque book request UGX 100 AGENT BANKING CHARGES
Personal Current-Single fee Stop payment UGX 1,000
Opening balance UGX 50,000/USD/GBP/EUR100 60,001-125,000 125,001- 250,001- 500,001- 1,000,001- 2,000,001-
PIN change Nil
Minimum balance Nil for UGX/USD/GBP/EUR10 250,000 500,000 1,000,000 2,000,000 4,000,000
Funds transfer Free
Penalty below minimum balance Nil for UGX/USD/GBP/EUR15 Transactional amount (UGX) 5,000-60,000 1,500 2,000 2,500 3,500 5,500 9,000
EFT UGX 3,000
Account management (bundled fee) UGX 25,000/USD/GBP/EUR5 Cash withdraw 1,000 1,500 2,000 2,500 3,500 5,500 9,000
RTGS UGX 10,000
Cheque book per leaf UGX 1,000/USD/GBP/EUR0.5 School fees payment 1,000 1,500 2,000 2,500 3,500 5,500 9,000
NOTE: Wallet to bank charges are determined by the respective telecom
Cash withdraw at counter Free School pay 1,000 1,500 2,000 2,500 3,500 5,500 9,000
companies Bills (NWSC,UMEME,TV) 1,000 1,000 1,000 1,000 1,000 1,000 1,000
Salary handling Free Balance inquiry 1,000 1,000 1,000 1,000 1,000 1,000 1,000
Mini statement 1,000
Pearl Personal Current TRADE FINANCE CHARGES
Opening balance UGX 100,000/USD/GBP/EUR 100
Import Letters of credit Cash deposit charges KIDO*
Minimum balance Nil for UGX; USD/GBP/EUR 20
LC establishment (Cash covered) 0.75% per quarter Min USD 250 Deposit charge
Penalty below minimum balance Free
LC establishment (non cash covered) 1.5% @ quarter min USD 250 Transactional amount Normal charge
Account management (bundled fee) UGX 40,000/USD/GBP/EUR 15
Usance (after 1st quarter) 0.5% @ quarter min USD 250 2,000-60,000 Free 1,000
Cheque book per leaf UGX 1,000 60,001-125,000 Free 1,500
Cash withdraw at counter Free LC Transmission charge (swift) UGX 100,000
LC Advising Charge As per correspondent bank advise via 125,001-250,000 Free 2,000
swift 250,001-500,000 Free 2,500
Investment Club Current 500,001-1,000,000 Free 3,500
LC Bill handling/Acceptance UGX 100,000 + USD 15 SWIFT
Opening balance UGX 50,000/USD/GBP/EUR10 1,000,001-2,000,000 Free 5,500
Minimum balance Nil for UGX,USD/GBP/EUR10 CHARGE + correspondent bank handling
2,000,001-4,000,000 Free 9,000
Penalty below minimum balance Nil for UGX,USD/GBP/EUR15 fee
4,000,001-10,000,000 Free N/A
LC ammendment USD 100 + Advising Bank Charge
Account management/service fees Free 10,000,001-50,000,000 Free N/A
LC cancellation UGX 100,000 + Advising Bank Charge
Cheque book per leaf UGX 1,200 Discrepancy fee USD 100
Cash withdraw at counter 1 st 3 withdraws per month free; *KIDO (Kingdom Development Organ - Church of Uganda Program)
Export Letters of Credit
Subsequent withdraws; LC Advising UGX 100,000
UGX 5,000; <USD 2,000 - $10; LC amendment advise UGX 100,000
>USD 2,000 - 0.5% of value, Export LC Bill handling 0.25% of Bill value, Min UGX 150,000 Item Transactional Charge UGX
Max $ 5,000 Confirmation 1% (Cash covered) 1.5% @ qtr (Non cash amount UGX
Salary handling N/A covered) Min USD 250 URA 5,000-5,000,000 3,000
Documentary Collections Inter account transfers 5,000-4,000,000 1,000
Corporate Current Import Bill Handling 0.25% per quarter + USD 15 (SWIFT) Airtime top up 1,000-100,000 Nil
Opening balance UGX 100,000/USD/GBP/EUR200 Export Bill Handling 0.25% per quarter + USD 70 (Courier Interbank transfers 5,000-5,000,000 5,000
Minimum balance Free for UGX/USD50/GBP25/EUR35 charge) Account opening _ Free
Penalty below minimum balance Free for UGX/USD/GBP/EUR15 Letter of Comfort UGX 50,000
Account management/service fees UGX 20,000/USD7/GBP5/EUR5 Guarantees
Unsecured Guarantees NSSF Collections
Cheque book per leaf UGX 1,200/USD/GBP/EUR0.5
Establishment fees 1.5%, Min UGX 200,000 Transactional amount Charge(UGX)
Salary handling N/a
Ammendment fees 0.25%, Min UGX 50,000 5,000-10,000 522
Quarterly fees 0.5%, Min UGX 50,000, USD 100 10,001-50,000 783
Cash covered guarantees 50,001-100,000 1,304
Establishment fees 0.25%, Min UGX 50,000 100,001-250,000 1,739
Ammendment fees 0.25%, Min UGX 50,000 250,001-500,000 2,174
Quarterly fees 0.5%, Min UGX 50,000, USD 100
500,001-1,000,000 3,043
Secured Guarantees
Establishment fees 1.5%, Min UGX 200,000 1,000,001-2,000,000 4,348
Ammendment fees 0.25%, Min UGX 50,000 2,000,001-4,000,000 5,217
Quarterly fees 0.5%, Min UGX 50,000, USD 100 4,000,001-10,000,000 6,087

Housing Finance Bank Customer Deposits are protected by the Deposit Protection Fund of Uganda. Housing Finance Bank is a financial institution regulated by Bank of Uganda.
All our tariff charges with the exception of loan related charges shall attract an excise duty of 15%

Head Office: 4 Wampewo Avenue, Kololo P. O Box 1539 Kampala Tel: +256 414 259651/2 email:info@housingfinance.co.ug, www.housingfinance.co.ug